If you own a business, you may well follow a “do it now” philosophy — which is, of course, necessary to keep things running smoothly. Still, you also need to think about tomorrow — which means you’ll want to take action on your own retirement and business succession plans.
Fortunately, you’ve got some attractive options in these areas. For example, you could choose a retirement plan that offers at least two key advantages: potential tax-deferred earnings and a wide array of investment options. Plus, some retirement plans allow you to make tax-deductible contributions.

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Finally, some of us got a rain. I understand some areas got from 1/2 inch to as much as two inches. It is amazing how much difference rain can make in comparison to a sprinkler. The next morning, after my one-inch of rain, my Mexican petunias were standing up straight and blooming. They had had few blossoms that were wilted. Before the rain, my ginger plants had large bud heads but few flowers. After the rain, they were covered with large butterfly blossoms. The fragrance out the back door was outstanding.

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This goes back to one of the problems with pruning. Every cut should be a decision.

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The answer depends on whom you ask. Theories about balancing investing with debt vary widely.

Bond market volatility is back. No, that’s not an oxymoron. But it is an understandable source of apprehension, and one that could tempt you to respond to short-term movements. Instead, focus on ways to prepare the fixed income portion of your portfolio to withstand more ups and downs while supporting your long-term strategy.